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Citi® Double Cash Card
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Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
16.24% - 26.24% (Verified 08/12/2022) |
Balance Transfer APR (Variable APR) |
16.24% - 26.24% (Verified 08/12/2022) |
Credit Score Range | 680 - 850 |
Annual Fee | $0 |
Number of Reviews | 16 |
Citi® Double Cash Card Review
This is a cashback credit card issued by Citi®. If you're wondering whether Citi Double Cash card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Citi® Double Cash Card has a variable purchase APR that ranges from 16.24% up to 26.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Citi® Double Cash Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, purchase protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Citi Double Cash card
The Good | The Bad |
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Citi Double Cash card FAQ
Does Citi Double Cash card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
Minimum rewards rate | 2x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does Citi Double Cash card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Citi Double Cash card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citi Double Cash card benefits?
It provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Citi Double Cash card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Citi® Double Cash Card has a variable purchase APR that ranges from 16.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 26.24%. It also has a variable cash advance APR of 27.49% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Citi Double Cash card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 18 months |
Balance Transfer APR | 16.24% - 26.24% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Citi Double Cash card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citi Double Cash card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $41 |
Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Citi Double Cash card have a foreign transaction fee?
Citi Double Cash card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Citi Double Cash card?
The Citi Double Cash card customer service number is (800) 950-5114.
What is the support contact email for Citi Double Cash card?
The support contact email for Citi Double Cash card is customer.help@citi.com.
What is the Citi Double Cash card login page?
You can access the Citi Double Cash card login page here.
How do people rate the customer service and user experience of Citi Double Cash card?
Overall, Citi Double Cash card is strongly recommended based on community reviews that rate customer service and user experience.
Does Citi® Double Cash Card report your account activity to credit bureaus?
Yes, Citi® Double Cash Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Citi Double Cash card
- Visit the Citi Double Cash card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 USA - (800) 950-5114
- Visit Site
- Email Support
Other Services by Citi®
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | Up to $41 |
Late Fee Amount | Up to $41 |
Citi® Double Cash Card Community Reviews
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